Buy to Let Mortgages

Invest in property with confidence

Whether you’re buying your first rental property or adding to an existing portfolio, a buy to let mortgage helps you purchase a property that you plan to rent out. At CA Mortgages, we make the process simple — helping you find a competitive mortgage deal that fits your investment goals.

What is a buy to let mortgage?

A buy to let (BTL) mortgage is specifically designed for properties that will be rented out rather than lived in by the owner. These mortgages typically require a larger deposit (usually 20–25%) and are assessed differently from standard residential mortgages.
Instead of focusing purely on your personal income, lenders will look at the expected rental income to ensure it covers the mortgage repayments — often by at least 125–145% of the monthly payment.

See what our clients think

T H

23:08 22 Jan 26

Craig Adams was honestly brilliant from start to finish. I was really worried at the beginning and genuinely didn’t think I’d be able to get a mortgage, but Craig worked his magic and managed to get me one that I didn’t think was possible. He was always there whenever we needed him, no matter how small the question was, and took the time to explain everything properly so we actually understood what was going on. He made the whole process feel so much less stressful and was really easy to talk to throughout. We’re genuinely so grateful for all his help and wouldn’t hesitate to recommend him to anyone looking for a mortgage adviser.

Jodi H.

18:30 21 Jan 26

We have experienced second to none professionalism and an abundance of additional support and guidance throughout our are first mortgage experience with Craig.
All our queries and concerns have been approached and answered promptly and our minds put at rest in what is considered to be a daunting and stressful event.
We wish to thank Craig profusely and with sincerity for the extra Mile he has gone to allow us to achieve our dream.
We cannot express our gratitude enough for all your assistance Craig in engaging us in all aspects of the procedure and providing us with your invaluable knowledge.

Our very kindest of regards

Jodi and Daniel Harris

Philip D.

11:08 19 Jan 26

I’ve known Craig for years now and he’s always given great advice. Most recently, he helped us buy our first home.
He is easy to contact, quick to respond, personable & genuinely focused on getting the best outcome for you. Highly recommend to anyone looking for mortgage advice.

Paige M.

16:04 16 Jan 26

Craig Adams was amazing from start to finish. He made the whole mortgage process so much easier and less stressful, explaining everything clearly and always being on hand when we had questions.
He kept us updated the whole way through and worked hard to get us a great deal. Nothing ever felt like too much trouble and you could tell he genuinely wanted to help.
We’d 100% recommend Craig to anyone looking for a mortgage advisor. Thanks so much for all your help!

L H

13:24 18 Dec 25

As first time buyers we had an excellent experience with Craig. He was helpful, professional, and knowledgeable throughout the entire process. Communication was clear and consistent from start to finish, he kept us well informed at every stage and was always quick to respond to any questions or concerns. We felt fully supported and confident thanks to his guidance and we wouldn’t hesitate to recommend him to anyone looking for a reliable and trustworthy mortgage advisor. Thank you! 👍

Ellie C.

08:05 08 Dec 25

We honestly can’t recommend Craig highly enough. From start to finish he went above and beyond to help us secure the best possible mortgage. His knowledge, patience, and attention to detail made the whole process so much easier for us.

Craig is genuinely invested in helping his clients he’s reliable, efficient, and incredibly proactive. He kept us fully informed at every stage and explained everything clearly, which really took the stress out of the process. He consistently went the extra mile to find the best deal for us and made us feel supported throughout.

If you’re looking for someone trustworthy, dedicated, and truly exceptional at what they do, Craig is the person you want on your side.

Adam L.

13:09 18 Nov 25

As a first-time buyer Craig really helped and guided me through the entire process making everything so much easier. His experience and candid advice was exactly what I wanted. Craig took time to explain my mortgage, home insurance, and mortgage protection options and look for the best products for me. I really appreciate his professionalism and dedication. Can't recommend Craig highly enough!

anita M.

22:43 15 Nov 25

I’ve had a really positive experience with Craig . He’s been patient, professional, and explained everything in a way that made the whole process feel much less stressful. I also appreciated the personal touch, he genuinely was empathetic about my situation which was quite unique .

Nothing was too much trouble, and his calm approach made a big difference. I’d happily recommend him to anyone looking for a supportive and knowledgeable mortgage advisor.

Keith S.

13:25 07 Nov 25

As a first time buyer we could not recommend Craig enough. He helped explain and guide us through the process from start to finish, always having our best interests at heart. We came up against a very uncommon and peculiar issue, but testament to Craig’s professionalism and knowledge he solved the problem within 24 hrs and had us back on track. Top professional and great guy! 5/5.

Neil D.

06:02 28 Oct 25

Craig recently provided us with his services when we needed to remortgage, in the past we have used numerous mortgage advisors but I can honestly say that Craig is by far the best, his knowledge is second to none but more pleasing is the service he provides, constantly in contact throughout the process from day one, I really felt like Craig had a genuine interest in what he was doing for us, his customer service skills are outstanding. We will be using Craig again that’s for sure. 10 out of 10.

Suzanne

07:40 30 Sep 25

Craig was a great help advising me through the mortgage process. I applied for buy to let mortgage, which is new area for me, Craig helped me navigate through and was always on hand to answer any questions. Craig was recommended by a good friend, which is always a good sign and in turn I would also definitely recommend to others.

Paul H.

16:05 15 Sep 25

First class service from Craig!!
Nothing was too much bother for him. Responsive, patient and went the extra mile to ensure he secured the best deal for me. Would definitely use Craig again and would highly recommend him.

Katie R.

12:11 04 Aug 25

As first time buyers, myself and my boyfriend did not know where to start. Craig was so helpful and guided us through the process. Any questions we had, were answered so quickly, putting our minds to rest. We couldn’t thank Craig more for all his help.

Craig Y.

00:41 02 Aug 25

I’ve been using Craig Adam’s services over the course of 2025 and I am thoroughly satisfied and pleased with everything. His care, attention to detail and wealth of knowledge has made the process of remortgaging as easy as can be. He is dependable and readily available to answer any questions - big or small. Highly recommended.

Helen R.

19:29 08 Jul 25

Craig was very knowledgeable and helpful regarding our remortgage and life insurance renewal. Always kept us updated with the application process, thank you.

albie W.

06:37 03 Jul 25

Fabulous service. Understanding and knowledable about difficult situation and sourced a good deal for us. Will definitely use this service again. Thank you.

Alby

09:44 02 Jul 25

⭐️⭐️⭐️⭐️⭐️EXCEPTIONAL SERVICE.

I can’t thank my mortgage advisor Craig Adams enough for the outstanding support he provided in securing a mortgage for me and my family. From start to finish, he went above and beyond every step of the way.

He was incredibly knowledgeable, guiding us through the process with clarity and confidence. What really stood out was how empathetic he was to our personal situation, he genuinely listened, understood our needs, and worked tirelessly to find the right solution for us.

It was clear throughout that he truly cares about his customers. He kept us informed, explained every option in detail, and made what could have been a very stressful experience feel manageable and even positive.
Would even now call him a dear friend of the family.

If you’re looking for someone who is professional, compassionate, and absolutely committed to helping you achieve your goals, I highly recommend his services.

Matt W.

09:18 02 Jul 25

Craig made the whole mortgage process so simple and stress-free. He explained everything clearly, was always quick to respond, and really went the extra mile to help. Highly recommend!

Joe S.

08:09 25 Jun 25

I can’t thank Craig enough for his help in getting us into our first home! As first-time buyers, the whole process felt a bit overwhelming at first, but Craig has reassured us every step of the way and always made us feel comfortable asking any questions we had about both our mortgage and insurance.

Thanks to Craig’s continued support, we’re now settling into our new home and I’d highly recommend Craig to anyone buying their first home!

Tom S.

17:32 22 Apr 25

Craig has been excellent in the process of us getting our first house. He was there to listen to our concerns and talk us through every step of the way and put our minds at rest. We couldn't have done it without him.
You can tell he wants the very best for his clients and goes above and beyond. We highly recommend Craig and can't thank him enough for everything he's done for us.

Who can get a buy to let mortgage?

You can usually apply for a buy to let mortgage if:

You already own your own home.
You have a good credit history and reliable income.
You can afford a deposit of at least 20–25%.
The rental income comfortably covers the mortgage payments.

Even if you’re a first-time landlord, we’ll guide you through the entire process — from assessing affordability to choosing the right mortgage structure. Our advisers work with a wide panel of lenders, including those who cater to limited company landlords and portfolio investors.

Why use a mortgage broker for buy to let?

Navigating the buy to let market can be complex. Lenders have different rules on property types, rental coverage, and borrower criteria.
By working with CA Mortgages, you gain access to:

Specialist buy to let lenders that aren’t always available directly to the public.
Exclusive rates for limited company and personal buy to let mortgages.
Expert advice on repayment, interest-only, or mixed mortgage options.
Guidance on tax efficiency and portfolio growth strategies (in partnership with qualified accountants).

Our aim is to make your investment as profitable and stress-free as possible.

Types of buy to let mortgages

1. Individual buy to let

Ideal for landlords purchasing property in their own name. Straightforward and simple to arrange, though tax efficiency may be limited for higher-rate taxpayers.

2. Limited company buy to let

Becoming increasingly popular, this option allows landlords to hold property through a limited company – potentially offering tax advantages and easier portfolio management.

3. Portfolio buy to let

For landlords with four or more properties, we can source lenders who understand the complexities of managing multiple mortgages.

4. HMO (House in Multiple Occupation) mortgages

Specialist loans for landlords renting to multiple tenants under one roof. These require experienced advice and a tailored approach — which we can provide.

Buy to let mortgage rates

Buy to let mortgage rates can vary depending on your deposit size, credit profile, and rental yield. Fixed-rate, tracker, and variable options are available, and our advisers will compare products from across the market to find the best value for your goals — whether that’s maximising income or long-term capital growth.

How CA Mortgages can help

We’ll take the time to understand your investment strategy and match you with the most suitable lender. From your initial quote to the final offer, we handle the paperwork, liaise with solicitors, and keep the process moving smoothly.

Whether you’re refinancing an existing property or expanding your portfolio, we’ll help you:

Compare leading buy to let deals.
Understand rental income requirements.
Plan for tax and running costs.
Build a sustainable, profitable property portfolio.

Ready to explore your Buy to Let options?

Our friendly advisers are here to help you every step of the way.
Enquire today to find out how much you could borrow and what deals are currently available.